my friend mario draghi is talking about positive contagion. i certainly hope that he is right. i think one of the things i learned from my friend paul volcker was, and i learned this early in the 1980s during the latin american debt crisis, is that timing is of the utmost importance because the longer you take to fix a situation, the worse it gets. and, again, there's been no sense of urgency or timing in europe up til very recently. the feeling was that the policymakers there, politicians had all the time in the world, and we see what that's brought vis-a-vis the growth or lack thereof in the area. so i think timing really and when you announce timelines, you've got to live up to them. and we till don't have -- we still don't have important timelines that are being lived up to there. i think another one is be we want a program -- if we want a program to succeed in a country, austerity or better called reform program, we've got to make sure that the local populace of a country supports it. and that was, that's been a problem day one in a country like greece. i think it's been s